A low score, past defaults, even a bankruptcy. Many owners think the door is closed. It usually is not. It is just a different door.
Alternative lenders often look at your restaurant’s sales first: deposits, card volume, how steady the business is. A restaurant with strong, consistent revenue can get funded even with a weak credit history.
Money for bad credit costs more and is usually shorter. That is fine for an emergency, but dangerous as a habit. The goal is to use it as a bridge, not a home.
Fund today with what is available. Pay on time. As your record improves, refinance into cheaper money, then into bank financing, and eventually SBA-level rates. Each step should cost less than the one before.
We tell your restaurant’s real story to lenders who fund owners with imperfect credit, and we build the capital plan that moves you to cheaper money over time.
Tell us what you need. A concierge calls you back. See also: Emergency funding.
Often yes. Many alternative lenders focus on your sales and cash flow, not only your credit score.
In many cases, yes, depending on how long ago it was and how the business performs today.
Usually it costs more than bank money. The goal is to use it short-term and refinance into cheaper money as your record improves.
General information, not financial or legal advice. Dracarys Finance LLC is a commercial finance broker, not a lender. All credit decisions and terms are set by third-party lenders and investors.
Two minutes. No obligation. Your concierge calls you back.
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